Enova International, Inc. vs NELNET, INC., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where ENVA and NNI diverge most: on ev/ebitda, ENVA reads 10.8 and NNI reads 124.8; on p/s, ENVA reads 1.29 and NNI reads 11.57. The rest of the comparable metrics sit closer together. The bull and bear cases for each are in their full reports below.
| Metric | ENVA | NNI |
|---|---|---|
| Price | $177.93 | $125.20 |
| Market cap | $4.4B | $4.5B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | 13.3 | 14.9 |
| P/B | 2.96 | 1.20 |
| P/S | 1.29 | 11.57 |
| EV/EBITDA | 10.8 | 124.8 |
| Revenue growth | +17.6% | +23.9% |
| Gross margin | 61.1% | — |
| Operating margin | 25.5% | — |
| Net margin | 10.3% | 77.5% |
| Return on equity | 23.7% | 8.0% |
| Return on assets | 4.9% | 2.1% |
| Dividend yield | 2.1% | 0.4% |
| Debt / equity | 3.35 | 1.87 |
| Altman Z (solvency) | 1.48 | 0.65 |
| Piotroski F (quality) | 9 / 9 | 8 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.